TTNEWS
  • entertainment
  • Sport
  • Finance
  • tec
  • Travel
  • military
  • Parenting
  • fashion
  • game
  • history
  1. home
  2. finance

High interest, extinction

2024-02-24 17:46:25

I talked yesterday: The interest of the mortgage will continue to fall.

Why do you say that?

The market has determined that there will be strong interest rate cuts in the future; interest rate cuts are a long season, endless.

Say an indicator that ordinary people rarely pay attention to:

10 -year Treasury bond yield rate

It is an anchor in interest rates.

The latest 10 -year Treasury bond yield is 2.41%.

Under the premise that 0 risks are generally explained, the interest rate level given in the next ten years now.

This value has been falling;

Especially in the past year, it is getting lower and lower

I made a picture, which is quite intuitive:

10 -year Treasury yield curve.From 4.52%10 years ago, it was only 2.41%

Data Source: Ministry of Finance-China Treasury yield curve

In the past ten years, the "anchor of pricing" of wealth management has become lower and lower.

High interest interest, extinction; the current proposition is good interest that can be found.

The current good interest is the high interest rate in the future.

I also talked a lot:

1) 5 yearsPeriod large deposit bill.

2) Interests

3) Annuity insurance and so on

(Of course, different products have each others advantages and disadvantages)

Two

Speaking of this, I also scratch my head.

I have talked about a few very good life and annuity insurance, all of them can be bought.

The removed from the shelves, but the sale.

The killing people caught off guard.

There are many people who want to know. I have to introduce another wave-

Is there any products that can be played now?

Yes.

Simply speaking, a comprehensive strength is strong, and there are not much shortcomings in all aspects.

You can also use it to compare other annuity insurance.

Call.

This product comes from everyones insurance, which is the previous Anbang Insurance; it was later taken over by the national insurance security fund and renamed everyones insurance.

So the current background of the national team is reassuring.

It is also called Huichuan. It is quite similar to the original Guanghui selection.

0-65 years old can buy (B of 60)

After purchasing, women can start to receive money at the earliest 55 years old;Men were the earliest 60 years old.

annual collar or monthly collar can be used as pensions.

In about 20 years, the IRR compound profit can be close, reached, or more than 3%.

The higher the life, the higher the return.

There are three versions.

Explanation of one by one-

A model is a satisfactory medium rectangle.

All the terms are balanced and meet the most popular needs.

There are no obvious disadvantages.

It is Live Living . After starting to collect it, as long as people live, they can always receive money.

until the death.

It also guarantee for 20 years.

If the person died in less than 20 years, Bao Di would give the remaining money to his family at one time.

This is guaranteed:

Even if they die early, it is suddenly likely, and there is no time to surrender to get the cash value.

The return will not be too bad.Early death or even higher compound interest

I make a table comparison-

30 -year -old mens delivery 20,000 annually, Pay for 20 years and receive it at the age of 60.

It can receive 42,440 yuan each year.

The yellow marked yellow in the form is the IRR return of timely insurance.

It can be seen that the more longevity, the higher the return .

It is easy to exceed 3%, or even more than 3.5%, or even more than 4%.

Receive the cash value of more than 20 years to 0, and it does not matter if it is returned or not.

If it starts to get it, it will suddenly hang up, as shown in the red frame.

The money that guarantees receives is not too bad.

If the premature death is even higher.

(Of course, you cant enjoy it yourself, it is for your family)

SoThe popular taste will not be too bad.

If you are interested, you can click on the appointment consultant to chat well.

Three

is the sword walking edge.

Personality is very strong.

The readers on my side have a lot of singles, often saying:

Money for future generations.Its most important to be chic.

Is there an annuity insurance that suits me? During his lifetime The more you get the money, the better , regardless of death .

Haha, then you can look at

It does not guarantee the receipt clause, and it will not give a lot of money.

After being collected, there is no cash value.

So if you die early, the return will be very bad. In the worst case, you can only keep the capital.

To live a high life, there will be a high return.

But its benefits are also very prominent -more annuity is given.

The money that can be received each month every month will be significantly higher than the A or C.

For example, a 30 -year -old woman pays 50,000 yuan per year, pays for 20 years, and starts at 55.

A model can receive 82,400 yuan a year, and the C type is 73,100 yuan a year.

B will receive 87.15 million yuan a year.

a lot higher than the two AC.

So it is to buy it for those who are very confident in their life span and want to walk around for a while.

If you are interested, you can click on, and make a good chat with the appointment consultant.

Four

Finally, talk

It is a 20 -year regular version.

It is characterized by it that when the money receives the money for 20 years, it will give birth to a 15 -year life./strong>.

55 -year -old collar, 75 -year -old to give birth to a birthday, which is equivalent to getting 90 -year -old money.

This return will be very high.

For example, a 30 -year -old man bought, paid for 20 years, started to receive it at the age of 60, and received his birthday at the age of 80.

This years IRR compound profit can reach 3.62%.

Living to 75 and 80 years old, it is not difficult for modern people.

Still confident that I can get this money.

So the C model is a gentle and ecstatic model, pursuing a certainty -

I worry about life, and want to get high lifes return.

You can choose

But there are two disadvantages of the C number-

One is to only guarantee for 15 years.

If the insurance is not applied in time before the death, the return will not be very good.

Unlike A, it guarantees for 20 years.

Second, the life of the C of C is particularly high, and a large amount of money is given for 20 years.

But, the annual annual money that has been received each year is not too high.

will be a lot lower than the AB model.

belongs to the typical:

Sugarcane has no sweetness.

The concubine, your blessing is behind

A pursue balance, live up to yourself and your family;

B pursuing a pursuit of chic;

C pursuit of certainty, enjoy high returns early, but some money delayed satisfaction and satisfiesEssence

Which one do you prefer?

Popular information
  • "Indian Miracle", unrealistic name | 2024-11-12 16:07:57
  • Guosheng Securities Xiongyuan: In October, the social finance has a happy and worrying year or reduced interest rate cuts next year | 2024-11-12 16:10:23
  • Some people have a hundred times leverage for one night, and some people have doubled the 3 -day income. | 2024-11-12 16:16:04
  • A -share evaluation: collective adjustment of the index, the Shanghai index fell 1.39%, the military and semiconductor collectively fell, and medicine rose against the trend!Nearly 4,000 shares fell, transactions of 259 trillion yuan | 2024-11-12 16:17:26
  • Lu Hua, chairman of the 61 -year -old Shenzhen Industrial Group, retired, and the new chairman has not yet appointed | 2024-11-12 16:17:34
  • The fake records of 2.5 million two major shareholders of the Annual Environmental Protection Annual Report were all punished for violations of the rules. | 2024-11-12 16:26:15
  • Beautiful Ecology and China Ship International signed an equity cooperation agreement | 2024-11-12 16:26:17
  • The sales volume increased slightly by 0.86% in October before the liberation of FAW only completed the annual challenge target 60.35% | 2024-11-12 16:30:10
  • Kim Jong -un approved the important treaty of North Korea and Russia | 2024-11-12 16:30:16
  • Yangnong and Chemical (600486) On November 11th, the main funds sold 11.091 million yuan | 2024-11-12 16:35:11
  • There are no 250 billion yuan, what happened to El Ophthalmology | 2024-11-12 16:49:13
  • Xuantai Medicine fell 2.23%. In the short -term trend, it was increased by the main funds for 3 consecutive days.The main force is not controlled | 2024-11-12 16:52:28
  • The concept of quantum communication concepts on the 12th main net outflow of 810 billion yuan, ZTE, the Great Wall of China | 2024-11-12 16:52:32
  • The closing of Xinwufeng rose 1.17%, and the net outflow of the main funds was 29.412 million yuan | 2024-11-12 16:52:35
  • The daily limit is unveiled, the daily fashion 4 consecutive board daily limit, the funds of the boarding board are 99.7084 million yuan | 2024-11-12 16:52:38
  • Golden Cup Electrician over 50 million yuan repurchased 6.447 million shares to accelerate overseas expansion and planned to divide over 145 million yuan | 2024-11-12 16:55:16
  • China Securities Shanghai and Hong Kong Deep Red Retera growing low fluctuation index fell 0.63%. The top ten weights include Chinese architecture international | 2024-11-12 16:55:23
  • Changhong Meiling closed 1.8%, and the net outflow of the main funds was 5.4073 million yuan | 2024-11-12 16:55:27
  • The major development leading enterprise index of the Shanghai Stock Exchange fell by 1.08%, and the top ten weights include the Chongqing Rural Commercial Bank, etc. | 2024-11-12 16:55:33
  • Shanxi Securities gives Sichuan -Ning biological increase rating. The performance in the first three quarters exceeds expectations. | 2024-11-12 16:55:36
  • Energy -saving iron and Han Dynasty signed 5.818 billion yuan of overseas projects, still losing money by more than 50%liabilities to 82.45% | 2024-11-12 16:59:35
  • The China Securities Anime Game Index fell 3.49%, and the top ten rights include Gabit, etc. | 2024-11-12 16:59:42
  • Shanxi Fenjiu closed down 1.77%, and the net inflow of main funds was 27.378 million yuan | 2024-11-12 16:59:44
  • The daily limit of Liancheng Precision Platform Daily Line, with a panel funds of 18.5966 million yuan | 2024-11-12 16:59:48
  • The concept of electronic ID card on the 12th was 377 million yuan in net outflows. | 2024-11-12 16:59:51
  • Ankai Wei (688620.SH): The current development of smart sensor chips is not yet involved in the development of smart sensor chips | 2024-11-12 16:59:55
  • Lu Shang Service (02376.HK) rose 7.14%on November 12 to HK $ 77,200 transactions | 2024-11-12 17:03:30
  • Beijing 180 deserted villas was auctioned, and the past 30 years were hidden ... | 2024-11-12 17:05:57
  • Li Bin, founder of Weilai: It is easy to surpass Musk, he is too arrogant! | 2024-11-12 17:06:00
  • Summary of the Star of Securities on November 12: The central bank governor Pan Gongsheng was entrusted by the State Council to make a report on financial work. | 2024-11-12 17:11:04
Latest
Happy Bao | Dream of Dream Medicine Bloom -Graduate Students from our hospital won the second prize of the Capital Medical University 2024 Speech Contest Personal evaluation of the 30 -year history of the best lineup of Ma Lai can barely enter the bench The domestic "three major airlines" C919 aircraft gathered in Chengdu!Practicing flying and going north Shangguang Parents do this to break the "only performance theory", and each child can bloom unique light She, sent a letterless letter to the moon Old cup bonus super lpl champion!Attract the old We Korean aid: I want to support the championship, I want to raise children In 2025, the statutory holidays have been added for 2 days. What is the true attitude of tourism practitioners? What does the PPT look like by Lin updated?After reading it, I was cried by ugliness Beiqing: After the National Football Team Barin will return to Xiamen for the afternoon of the 15th, the 15th day of the 15th National Football Team VS Balling 23 people List exposure: Xie Wen can suspend the race!Fourth goalkeeper+flying wing failure selection The best element of the Super League announced, Wei Shihao missed, 4 people in Shanghai, Luneng 2, Wu Xi was surprised Ding Yongxun fell in love with Zhao Xuehua at first sight and loved each other for 37 years. Now the 36 -year -old son makes him worry Ye Ke has not seen Huang Xiaoming in the checkup. Paparas have been exposed to 5 months of pregnancy. The 24 -year -old Fan Ye compared the 28 -year -old Shi Yunpeng. Aspen: Mbappe has been silent after joining Real Madrid for 4 months. Only 2 interviews have been accepted in 4 months Chen Meng withdrew!Instead, Sun Yingsha was forced to have both and gave birth to 2 questions. What did Ma Lin think? It is the lowest -key county in Shanxi, with world -class famous mountains, but few people know the county name! Ye Ke promised to return the net to cancel the account again as a demon again!Huang Xiaoming is lazy, Ye Ke is alone for pregnancy! Big!Blast Yang Zi accompanied by sleeping: evidence has been obtained, involved in many popular actresses, more synthetic streams out "The Lane Family" Zhuang rushed to drive away his parents and forced Pengfei to buy a house. Only then did you know that Zhuang Chaoying was very lucky Wang Xiaofei hit Big S: A wedding with Ma Xiaomei will be re -wedd, Ma Xiaomei threw out propositions Who is the most runner -up in the World Cup?The Dutch Three Entry Finals are defeated, Argentina is tied, and the other team is the most The Clippers regretted, Harden 19+6+7, after the game, Harden walked towards the Rockets bench, hugged Ethan to pay attention to Rockets 111-103 Clippers!Player scores are released: 4 people are full, 3 people pass, 2 people pull their hips! No accident, this will become the main framework of Amurin Manchester United! Choose a rational student in kindergarten?Can "Run Run" Education really win on the starting line? British PS5 Pro price or permanent drop: the largest retail sales leading price reduction The 19 -day box office broke through 3.3 billion and won the global championship. The strongest movie this year was born. Daolang: The Macau concert is well received, and I won the two former CCTV host of Zhao Pu Li Xiaomeng. 2024 Inner Entertainment is to be exploded, only one year, the gap is obvious Lei Jun is jealous. Xiaomi SU7 has 100,000 offline and 100,000 orders. Guangzhou house tickets can buy new houses in the city!Expert: It is necessary to make the demolished households realized that in the past It is said that the Chery FR Division was established, and the headquarters is located in Shanghai Win 20 points!Du Feng won the first victory, and the new aid 23 points hit a new high. The chef should describe the job from the teachers and students and parents, and the supplier will not run away. Thirty points defeated, the CBA Journey really walked over?The three major foreign aids in Zhejiang broke out, and genius teenagers burst and burst The transformation of Jinji Co., Ltd. suffered a decline of 922 million large orders to terminate the operating pressure of 8.82 million yuan in the first three quarters. 4 games 0 goals!The number of shooters is lost, Alda is deeply trapped in the mud, and the situation of winning the championship deteriorates Crown: 0 to 4!The fatigue is shown. In the first round, Trump took Ding Junhui lightly Korean dramas have evolved to the male lead, no male lead is required The performance benchmark covers the global stock market and gold, and the world is actively configured with FOF to open the closed period CITIC Securities A shares increased by 60% of Yuexiu Capital to reduce holdings by 1% or cash out 5 billion yuan Academician Qian Qihu: The domestic shield is going to the world. I hope that the younger generation of "Chinese tunnelers" will create further glory The whole Chinese class rushes for another year!BLG is highly likely to renew the contract, ELK renewal conditions are only one The husband takes the child to buy milk powder to bring it back to the PS5 Pro, his wife asked the Internet online, and the merchant sent God to assist The most surprising seven players?Downs first!Hilde, three goals on the list! Shenzhen Chuanyin Communications under Chuanyin was awarded the title of new "Little Giant" enterprise in the national specialized specialty The stock price of the market fell by 6.43%in the afternoon of US $ 13.37 in the US real estate investment Sure enough!6 major foreign aid blessings, old acquaintances return, Zhou Peng will lead the Shenzhen team to take off The Egyptian Museum opened the night exhibition tourists with close contact with Pharaoh

©2024 ttnews All rights reserved

Privacy Policy | Service Terms | contact us